Humana Inc (HUM)vsTarget Corporation (TGT)
HUM
Humana Inc
$350.08
+0.08%
HEALTHCARE · Cap: $45.53B
TGT
Target Corporation
$122.57
-1.03%
CONSUMER DEFENSIVE · Cap: $60.48B
Smart Verdict
WallStSmart Research — data-driven comparison
Humana Inc generates 29% more annual revenue ($137.20B vs $106.38B). TGT leads profitability with a 3.2% profit margin vs 0.8%. HUM appears more attractively valued with a PEG of 2.15. TGT earns a higher WallStSmart Score of 52/100 (C-).
HUM
Buy52
out of 100
Grade: C-
TGT
Buy52
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+23.7%
Fair Value
$403.67
Current Price
$350.08
$53.59 discount
Margin of Safety
+4.0%
Fair Value
$119.45
Current Price
$122.57
$3.12 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Safe zone — low bankruptcy risk
Reasonable price relative to book value
Revenue surging 23.5% year-over-year
Generating 1.1B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
ROE of 6.1% — below average capital efficiency
0.8% margin — thin
Operating margin of 4.7%
3.2% margin — thin
Operating margin of 4.5%
Weak financial health signals
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : HUM
The strongest argument for HUM centers on Altman Z-Score, Price/Book, Revenue Growth. Revenue growth of 23.5% demonstrates continued momentum.
Bull Case : TGT
The strongest argument for TGT centers on Market Cap, Return on Equity, Debt/Equity.
Bear Case : HUM
The primary concerns for HUM are PEG Ratio, Return on Equity, Profit Margin. A P/E of 40.5x leaves little room for execution misses. Thin 0.8% margins leave little buffer for downturns.
Bear Case : TGT
The primary concerns for TGT are Profit Margin, Operating Margin, Piotroski F-Score. Thin 3.2% margins leave little buffer for downturns.
Key Dynamics to Monitor
HUM profiles as a growth stock while TGT is a value play — different risk/reward profiles.
TGT carries more volatility with a beta of 0.99 — expect wider price swings.
HUM is growing revenue faster at 23.5% — sustainability is the question.
HUM generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
HUM scores higher overall (52/100 vs 52/100) and 23.5% revenue growth. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Humana Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Humana Inc. is a for-profit American health insurance company based in Louisville, Kentucky.
Visit Website →Target Corporation
CONSUMER DEFENSIVE · DISCOUNT STORES · USA
Target Corporation is an American retail corporation. Their retail formats include the discount store Target, the hypermarket SuperTarget, and small-format stores previously named CityTarget and TargetExpress before being consolidated under the Target branding.
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